Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Was successful on my first claim with Natwest (a joint account), they paid up just after the MCOL claim which was a bit of a shock, now going for my sole account and my husbands sole account.
Have a feeling it may not be so easy this time round, dont know why. Maybe its because Ive not had any responses at all to any letters, and last time I had two offers by this point. Maybe they dont think its worth doing that now as they know I will see it through?
Anyone had experience of two claims and whether it is more difficult second time round?
Today I should be doing the MCOL for both these but feeling very apprehensive and dont know why...
NatWest - statements received 04/10/06
Joint Account Claim for £920
First letter sent 09/10/2006
LBA sent 23/10/2006
Letter received 27/10 offered £321 rejected 01/11/06
Claim issued 07/11
Acknowledged 12/11
Settled in full 14/11
Sole Account Claim for £820
Prelim letter sent 01/11/06
LBA sent 13/11/06
Dropped big clanger, restarted claim
Prelim letter resent 28/11/06
LBA sent 14/12/06
Claim submitted 02/01/07
Husband Sole Account Claim for £854
Prelim letter sent 01/11/06
LBA sent 13/11/06
Claim issued 27/11
Settled in full 1/12
Don't forget to donate to this site, they gave us the backbone to put up a fight, we've learnt how to reclaim our rights and proved banks are all nothing but........ rubbish <wink>
Yet again Ive dropped a big clanger! On my sole account Ive just noticed the two letters Ive sent, the prelim and the lba, although the letter is correct, the schedule Ive attached has the wrong account number on!! It has my husbands on as I just overwrote his details with mine, obviously forgetting to change the account number. I should be filing the MCOL today, but am I now best going back to the beginning and starting it again, or do you think just one more letter along the same lines as the LBA, attaching the corrected schedule will suffice? Anyone?
NatWest - statements received 04/10/06
Joint Account Claim for £920
First letter sent 09/10/2006
LBA sent 23/10/2006
Letter received 27/10 offered £321 rejected 01/11/06
Claim issued 07/11
Acknowledged 12/11
Settled in full 14/11
Sole Account Claim for £820
Prelim letter sent 01/11/06
LBA sent 13/11/06
Dropped big clanger, restarted claim
Prelim letter resent 28/11/06
LBA sent 14/12/06
Claim submitted 02/01/07
Husband Sole Account Claim for £854
Prelim letter sent 01/11/06
LBA sent 13/11/06
Claim issued 27/11
Settled in full 1/12
NatWest - statements received 04/10/06
Joint Account Claim for £920
First letter sent 09/10/2006
LBA sent 23/10/2006
Letter received 27/10 offered £321 rejected 01/11/06
Claim issued 07/11
Acknowledged 12/11
Settled in full 14/11
Sole Account Claim for £820
Prelim letter sent 01/11/06
LBA sent 13/11/06
Dropped big clanger, restarted claim
Prelim letter resent 28/11/06
LBA sent 14/12/06
Claim submitted 02/01/07
Husband Sole Account Claim for £854
Prelim letter sent 01/11/06
LBA sent 13/11/06
Claim issued 27/11
Settled in full 1/12
Go back to the start Fuzz. I don't see it as being a huge problem as you haven't actually issued proceedings yet but if you get it right from the outset then it gves them nothing to go at later.
Paul
Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional. If you PM me for advice I will only reply in your own thread
Yeah, thats what I thought. Ah well, back to the start.... thanks for the advice
NatWest - statements received 04/10/06
Joint Account Claim for £920
First letter sent 09/10/2006
LBA sent 23/10/2006
Letter received 27/10 offered £321 rejected 01/11/06
Claim issued 07/11
Acknowledged 12/11
Settled in full 14/11
Sole Account Claim for £820
Prelim letter sent 01/11/06
LBA sent 13/11/06
Dropped big clanger, restarted claim
Prelim letter resent 28/11/06
LBA sent 14/12/06
Claim submitted 02/01/07
Husband Sole Account Claim for £854
Prelim letter sent 01/11/06
LBA sent 13/11/06
Claim issued 27/11
Settled in full 1/12
Well, success number two yesterday, received Full and final settlement for hubbys sole account, only did the MCOL on Monday, so very quick once again!
Having to start mine all over otherwise would have expected same result. Two down, one to go!!
NatWest - statements received 04/10/06
Joint Account Claim for £920
First letter sent 09/10/2006
LBA sent 23/10/2006
Letter received 27/10 offered £321 rejected 01/11/06
Claim issued 07/11
Acknowledged 12/11
Settled in full 14/11
Sole Account Claim for £820
Prelim letter sent 01/11/06
LBA sent 13/11/06
Dropped big clanger, restarted claim
Prelim letter resent 28/11/06
LBA sent 14/12/06
Claim submitted 02/01/07
Husband Sole Account Claim for £854
Prelim letter sent 01/11/06
LBA sent 13/11/06
Claim issued 27/11
Settled in full 1/12
Fuzzy Vs Natwest Round Two!
(a joint account), they paid up just after the MCOL claim which was a bit of a shock, now going for my sole account and my husbands sole account.
Reply With Quote
